1060 Pack Horse Rd, Winchester, VA 22603 Property Records

Frederick County property record for 1060 Pack Horse Rd, Winchester, VA 22603

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,554 sqft · built 2015
Lot Size	7.21 acres (314,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Jul 2021)
Tax Bill	$1,885 (2026)
Deeds & Mortgages	Nov 2019 Construction Loan Nov 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`076-15`

Property Details

APN / Parcel Number

Primary APN	`076-15`
Alternative APN	`8000399`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,554 sqft Living Area
Gross Area	3,626 sqft
1st Floor Area	1,554 sqft
Basement Area	238 sqft
Unfinished Basement	238 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	314,068 sqft (7.21 acres)
Terrain	Rolling
Porch	Porch
Porch Area	70 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8000399
Street Address	1060 PACK HORSE RD
City	WINCHESTER
State	VA
Zip	22603-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	HOOVER MOUNTAIN PARCEL 15 7.21 ACRES
Legal Subdivision	HOOVER MOUNTAIN
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1017
Census Tract	50300

Owner

Source: Frederick County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1060 PACK HORSE RD, WINCHESTER, VA 22603-1502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2019	Trustee's Deed, Construction Loan · Construction Mortgage CAPON VLY BK
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage CAPON VLY BK
Mar 21, 2019	Trustee's Deed, Construction Loan · Line of Credit CAPON VLY BK
Oct 12, 2018	Trustee's Deed, Construction Loan · Line of Credit CAPON VLY BK
Mar 29, 2018	Deed of Trust, Mortgage CAPON VLY BK
Nov 3, 2017	Grant Deed, Mortgage · Conventional with PMI CAPON VLY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Deed Document Number	202112770
Record Updated	Sep 20, 2026

November 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FREDERICK VA
Recording Date	Nov 25, 2019
Property Address	1060 PACK HORSE RD, WINCHESTER, VA 22603-1502
Instrument Date	Nov 13, 2019
Instrument	12757
Transaction Type	Construction Loan
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1060 PACK HORSE RD WINCHESTER VA 226031502, WINCHESTER, VA 22603-1502

Mortgage

Document Number	0000012757
Date	Nov 25, 2019
Instrument	12757

Lender

Name	CAPON VLY BK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 24, 2020

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	1060 PACK HORSE RD, WINCHESTER, VA 22603-1502
Document Number	0000012755
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1060 PACK HORSE RD WINCHESTER VA 226031502, WINCHESTER, VA 22603-1502

Mortgage

Document Number	0000012755
Date	Nov 25, 2019
Instrument	12755

Lender

Name	CAPON VLY BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2049

March 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FREDERICK VA
Recording Date	Mar 21, 2019
Property Address	1060 PACK HORSE RD, WINCHESTER, VA 22603-1502
Instrument Date	Mar 13, 2019
Instrument	2453
Transaction Type	Construction Loan
Record Updated	Apr 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 FALCON TRL WINCHESTER VA 22602, WINCHESTER, VA 22602

Mortgage

Document Number	0000002453
Date	Mar 21, 2019
Instrument	2453

Lender

Name	CAPON VLY BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 20, 2020

Interest

Rate Type	Adjustable Rate

October 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 12, 2018
Property Address	1060 PACK HORSE RD, WINCHESTER, VA 22603-1502
Instrument Date	Aug 16, 2018
Instrument	10119
Transaction Type	Construction Loan
Record Updated	Oct 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1060 PACK HORSE RD WINCHESTER VA 226031502, WINCHESTER, VA 22603-1502

Mortgage

Document Number	0000010119
Date	Oct 12, 2018
Instrument	10119

Lender

Name	CAPON VLY BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 11, 2019

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	1060 PACK HORSE RD, WINCHESTER, VA 22603-1502
Document Number	0000003931
Instrument Date	Mar 29, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1060 PACK HORSE RD WINCHESTER VA 226031502, WINCHESTER, VA 22603-1502

Mortgage

Document Number	0000003931
Date	Apr 27, 2018
Instrument	3931

Lender

Name	CAPON VLY BK
Type	Bank

Agreement

Amount	Amount Recorded

November 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Nov 3, 2017
Property Address	1060 PACK HORSE RD, WINCHESTER, VA 22603-1502
Document Number	0000011548
Instrument Date	Nov 3, 2017
Instrument	11548
Transaction Type	Mortgage
Record Updated	Feb 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$14.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1060 PACK HORSE RD WINCHESTER VA 226031502, WINCHESTER, VA 22603-1502

Mortgage

Document Number	11549
Date	Nov 3, 2017
Instrument	11549

Lender

Name	CAPON VLY BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,885.00 (+10.43%)	$355,600 Land $87,800 Building $267,800	$355,600 Land $87,800 Building $267,800
2025	$1,707.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 3, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (1996–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 2018 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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